Collector - June 2010

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Originally ACA International’s fax-on-demand system, Fastfax has evolved into a comprehensive library of the association’s compliance resources. To access documents, visit http://www.acainternational.org/fastfax. Through Dec. 31, 2010, members may also access the documents via fax-on-demand. Simply dial the phone number below and, when prompted, enter your ACA member number, the codes indicating which documents you would like and your fax number. This service is available only to ACA members, and it’s completely free. On Jan. 1, 2011, these documents will be available exclusively online.

Web: http://www.acainternational.org/fastfax U.S. Toll-free: (800) 254-8459 International: + 1(732) 544-5903

RECENTLY ADDED/UPDATED DOCUMENTS

Adding Fees to Debts (24pp) Revised 4/27/10 8000
Amendments to Hungary Bankruptcy and Liquidation
Proceedings (3pp) Revised 5/7/10 3046
Answering Machine Messages, Class Action Suits and State Unfair and
The Credit Card Accountability, Responsibility and Disclosure
Act of 2009 (5pp) Revised 4/29/09 3018

The Equal Credit Opportunity Act (5pp) Revised 5/6/10 8044

Hospital Billing and Collection Practices (12pp) Revised 5/6/10 2805

Interstate Chart (56pp) Revised 5/6/10 3005

Laws Governing the Use of Automated Dialing and Announcing Devices (ADADs) (35pp) Revised 4/27/10 2308

Manitoba Collection Laws (10pp) Revised 4/6/10 2504

Medical Debts—Statutes of Limitation and Interest (4pp)

Revised 4/14/10 1158

New Brunswick Collection Laws (12pp) Revised 4/6/10 2505

Payment Transaction Fees (6pp) Revised 4/30/10 4006

Political Campaigns and the Use of ADADs (44pp) Revised 5/3/10 3038

Sample Dispute Response Letters (14pp) Revised 4/29/10 3042

State Check Chart (9pp) Revised 4/22/10 3007

State Collection Laws: Record Maintenance Requirements (21pp)

Revised 4/27/10 2037

State Interest Rates (55pp) Revised 4/28/10 2015

State Laws Governing Oral Communication with Consumers (32pp)

Revised 4/27/10 2011

State Licensing/Registration Contact Information and Fees (34pp) Revised 5/6/10 1133

State Licensing Requirements for Debt Purchasers (23pp)

Revised 4/14/10 4553

State Operational Definitions for Debt Collector and Debt (41pp) Revised 4/28/10 2030

State Requirements Regarding Resident Offices (7pp)

Revised 5/6/10 2038

State Service Fee Statutes (46pp) Revised 4/22/10 1218

State Special Text Requirements for Collection Notices (31pp)

Revised 4/27/10 2008

Statutes of Limitations (42pp) Revised 4/28/10 1122

Statutes of Limitation: Setting the Record Straight (4pp)

Revised 4/30/10 1119

TCPA: Wrong Party Calls (3pp) Revised 4/30/10 3043

Web Addresses for the U.S. Court System (10pp) Revised 5/6/10 1162

Wrong Party Contact (3pp) Revised 5/7/10 3045

1099-C

1099-Cs: Reporting Discharges of Indebtedness (14pp)

Revised 12/18/08

Collecting After Filing Form 1099-C (4pp) Revised 12/18/08

2324 2340

ASSET BUYING

Buying Receivables (7pp) Revised 9/4/07 Debt Buyers Must Now Be Licensed in Massachusetts (2pp)

Revised 6/22/06

Debt Purchasers Required to Send Notice of Purchase to
Consumers (2pp) Revised 7/6/06
Law Issues for Debt Purchasers (7pp) Revised 11/22/04

State Licensing Requirements for Debt Purchasers (23pp)

Revised 4/14/10

4551

2046

4554 4552

4553

BANKRUPTCY

Bankruptcy and Co-Signers (2pp) Revised 2/5/10

Bankruptcy and Pre-Petition Checks (6pp) Revised 8/4/08 Bankruptcy and Spouses (3pp) Revised 9/5/06

Bankruptcy Code and the FDCPA (7pp) Revised 12/14/07 Bankruptcy Reform: Conversion (1p) Revised 6/16/05

Bankruptcy Reform: Duty to Negotiate with Credit Counselors (3pp)

Revised 11/3/05

Bankruptcy Reform: Mandatory Credit Counseling and Debtor Education (3pp) Revised 6/9/05

Bankruptcy Reform: Notice to Creditors (2pp) Revised 6/29/05

Bankruptcy Reform Overview (4pp) Revised 7/6/05

Bankruptcy Reform: Redemption (2pp) Revised 6/16/05

Bankruptcy Reform: Support Obligations (2pp) Revised 6/13/05

Debts Incurred After Filing Bankruptcy (2pp) Revised 9/7/06

Duty to Screen for Bankruptcy (4pp) Revised 8/8/07

3035

1175

2338

1166

2320

2325

2318

2322

2323

2321

2319

2339

1156

CHECKS AND ELECTRONIC PAYMENT TRANSACTIONS Accord & Satisfaction (3pp) Revised 3/31/04

ACH Network Overview: Accounts Receivable (ARC)

Entries (3pp) Revised 10/14/05

ACH Network Overview: POP Entries (2pp) Revised 10/14/05 ACH Network Overview: RCK Entries (3pp) Revised 10/14/05 ACH Network Overview: TEL Entries (2pp) Revised 10/14/05 ACH Network Overview: WEB Entries (4pp) Revised 10/14/05 Answers to Check Collection Questions (4pp) Revised 2/23/06 Check Acceptance and Identification (4pp) Revised 7/3/07 Check-Related Statutes of Limitations (40pp) Revised 6/1/09 Collecting Debts Online (6pp) Revised 2/25/09